Avant Credit Card Review

Applying for $1000 loan was customer friendly, and in terms of functionality.

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Blocked me from using my funds on 9/26 because of a payment due on 9/25.... Get this, which I paid on the 25th on time. First, I've never had a company block funds because of a late payment by a day, but the facts are that payment was made on time and not late. They can see it in their system as pending and won't unblock until it posts, which we all know takes a couple of business days. So the majority of their customers would have to be having their funds blocked for payments they make on time, on their due date, while their payments are in pending. I even explained I'm visiting my dying dad in ICU and needed a hotel and they refused to do anything even though they can see my payment was made on time. Then, I was told that my payment would go through at the end of the day 9/26 and unblocked for 9/27. I called back 9/27 and it's still blocked, with the agent telling me it's still in pending even though I can see payment posted with a thank you note. I will never ever use this company again and am paying it off and recommend no one else use them. This policy of theirs was not in the terms and conditions when applying for credit. Edit to reply to Avant's reply: Why would I waste more time calling you when I've called three times and even spoke to a supervisor? My dad is dying, I don't need to waste my time with a company like you who didn't try to make it right several times.

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I would never ever recommend Avant bank to anyone. Not in a million years. First off, they trick you into opening an account. Like many of you, I was looking for a credit card for those with low credit scores looking to rebuild their credit. I came across the Avant card and applied for it. After applying, I wasn’t actually told if I was approved or not, I was just told “thanks for applying. We have something else that might help you.” I actually didn’t realize this was for a checking account, but wanting the credit card I continued. Then I see I was denied the credit card. So what the heck did I just open? A checking account. Cool, so now I’m stuck with this checking account I don’t really want, but if there’s a chance they can help me achieve a healthier financial life, I thought why not. Moved all my money over, all my bill payments, all my direct deposit, and closed my old checking account. Avant was my future for banking, I guess. That was just over 2 months ago. Now, about 9 total weeks after opening the account, I’ve closed my Avant checking account and want to warn everyone who might read this to stay the heck away from them. Continuing with their flaws, this is an anemic checking account. I haven’t been able to confirm whether or not they actually use Chexsystems, but I would assume they don’t; in that case, there’s literally no reason to open this account unless for some reason you’re not able to open one with Chime or SoFi, two other non-Chexsystems fintech companies that offer completely free feature-rich checking AND savings accounts. Avant deposit accounts are checking-only (no savings account offering whatsoever) with no APY, no Zelle, no checks, no check deposit (mobile or physical), no cash deposit, no physical locations, no peer-2-peer payment system whatsoever, no dedicated bill pay, a really bad ATM system (not even AllPoint offering), and most importantly, really bad account limits. They also code transactions like Cash App and Apple Cash as “ATM withdrawals,” which means that you can kiss any chance of using your Avant account to pay rent (since there are no checks either), as their ATM limits are hard-capped at $310 unless you’ve been their customer for over a year. Next, let’s talk about their support. It basically doesn’t exist. They’re a bank that uses a ticket-based customer support system, which should already be a red flag for most people. If it isn’t, I should tell you now that despite this ticket-based support system, customer support will still go out of their way to waste your time. I was trying to close my account and was asked to give a reason why, as well as to confirm with the last 4 of my SSN and my DOB. I gave them the last 4 and my DOB, and they came back hours later with a copy-paste of the same message asking for a reason why I’m closing my account. Yes, they make you wait hours for a response but will still pester you for your opinion. Instead of just being a decent customer service representative and processing my request, they had to waste my time one last time before I ceased being their customer. Fantastic job. The most ironic thing was them telling me “here are some reasons you might wanna rethink your decision.” If there was any chance of me rethinking my decision, it was erased the moment you proved that you have NO respect whatsoever for my time. Aside from that, they have a phone number that you can call that isn’t 24/7 (no 24 hour line whatsoever), and that’s it. And just as the icing on the cake, Google is pretty much useless if you have this account; all Google results are tailored to their credit card, so whenever you search “Avant” or “Avant checking” with your problem, the ONLY results you’ll receive will either be insanely basic or won’t be relevant because they’ll be tailored towards another product. So in my mind, this bank account has no value if you value customer support at all. All in all, Avant’s checking/deposit account is just kinda pointless. An anemic account with no features, you’d be far better off with a local credit union or something like SoFi or Chime. With no customer support to back it up, this account is completely pointless and I recommend you look elsewhere if you care about your money. Thanks for reading! Edit 9/27/22 in response to Avant’s response: NO. First off, saying “we strive for great customer service” ignores the fundamental failures of your product, which I outlined very clearly in my review: your checking account is anemic and doesn’t offer nearly enough features to matter. Second off, the failures of your support system came to light when I was literally trying to close my account. There’s no way for you to fix this without reinventing your product and giving me a reason to start being a customer again. Thanks for the response, but no. Avant sucks, don’t use them.

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Avant will offer you a credit line after a hard inquiry & then take the offer off the table saying you don't qualify. The company is extremely unprofessional in doing an inquiry approving you then taking it off the table. Now who does that??????? that is truly legit sure not Capital one or Navy Federal.

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Good card credit to have

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Thank you so much appreciate

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Not happy at all with the customer service!!!!!

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Avant was very helpful in my request for an increase to my credit card. It will truly help me in the future. Thanks to them!

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S T O P ! ! ! ! ! Trust me I was just like you. I thought they were the best sweetest company just like you and for credit bump and another credit increase. But, when I got sick from my job and almost lost every including my car I asked them to initially work with me and they refused. To please give me time until I try to fight for my disability money that I was fighting for. I asked please stop making it harder for me since I have always made all my payments with a zero balance. They refused. Do not be fooled by this card company because now I am still sick and every month they are sending me a bill the says now late payment 795.00 due and it keeps going up my credit limit was only 1200.00 please stay far away from this company because I gave them at one time an excellent rating until I saw the true side of avant- don’t say I didn’t warn you

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Great experience so far and thank you for the credit increase,loved.

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I love my Avant card! It has helped me so much! They give increases often and I've never had any issues with my card or card services.

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Applied for Avant card thru Credit Karma or Experian (can't recall which though...). Approval was fast and easy! Got card within 2 weeks. Used the card judiciously and always paid before or on time. Started off w $300 line. Several months later line was increased to $500 then maybe 1-2 months later they doubled my line to $1000. They've been very generous with increases with responsible use. The Avant mobile app is great for managing account, making payments, etc. I also use their online portal for acct management. Great company! I'm very happy with my Avant card.

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Payment takes too long to arrive and post if paid through my bank like I do for every other credit which post in 2-3 days max. I have to call in my payment now. Also this is the only credit card that I pay an annual fee for and not sure what for.

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Great card, I love it

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This is a very good card fast and easy approval. And much more I even got a personal loan to.. and all in one place when making payments I recommend it to everyone.

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Quick and easy loan application. It was so quick I was nervous that I was being hacked! I ended up calling a rep because my log on locked and wouldn't allow me entry. I'm "guessing" that was a security method to change my password. At any rate, rep was very nice, like where are these people??? This is no longer the norm with customer service. I could have requested a higher loan but only needed to pay a quick bill to build my score even higher. I was approved in minutes.

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They increase my credit line when I needed it the most! I am forever grateful.

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The second customer service rep was awesome! I was unhappy with the first call! I hung up called back and had an excellent experience! Not saying the first was bad I just did not care for the communication!

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This card has regularly increased my credit limit and easy to make payments

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Ive been with avant for over a year and think there wonderful as well as excellent customer service. Thank you Anita

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Great card easy to use

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I have been with Avant for almost two years and i love the random increases and if there are any issues you can call and they will address them with no issues.

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Great Customer service

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I applied for a loan on 8/31 through Regions bank and Avant is their waterfall lender for people with fair credit. I was prequalified with Avant and the initial process was great. My credit score was 630 on 8/31 as I received the letter from Regions showing my credit score on Expiearn and also Transunion. Here is the part that would make anyone scream... This all took place over a week. Numerous times having to submit documents. After I submitted the application- I had to sync my bank accounts-Provide paystubs-Provide copies of my IRA statement-Provide my spouse's paystubs. Everything I sent lined up with my application. They requested these documents over the course of a week. When you call you will get zero help- I mean ZERO help. I tried emailing and my email was not responded to for three days. When it was to was of Zeto help. When you go to their dashboard to check the status or see what's going on.. all it says is you have things to do and your application is going to expire. But when you call them about it- they say there is nothing you need to do and nothing to turn in continue checking your dashboard, but you do and it says it is about to expire, and yet you need to do nothing. If it expires they have you reapply which is another hard inquiry on your credit report. I have never written a review before but was so mad about this process I had to share my experience. I'm sure this company and loan program are and have been wonderful options for many. For me, it was such a runaround and horrible experience.

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Very good card and i have had excellent experience with customer service.

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If I could give 0 stars I would. I paid $365 on a personal loan today and only $130 went towards paying it off everything else was interest and a bunch of stuff that was in the small print I just did not understand. Please be extremely careful Avant does not want to help you they want to rape you take full of vantage of you while you’re in a vulnerable position just trying to get ahead in life. This is exactly how the rich stay rich and the poor stay poor, fool me once shame on you,this will never happen again to me. I had a really hard life, and now within the past five years I’ve been able to get my life on track build credit and do some things now I’m at a point where I want to move forward and I just wanted to consolidate some things and move forward efficiently instead I completely screwed myself dealing with Avant. Now I have to wait to buy house for me and my family and do other things in life because of Avant. If you deal with this company you are not moving forward,you are moving backwards while they are moving forward with your money please don’t do it just work hard and pay your stuff off like I should’ve did. I work very hard for my money I guess I should’ve just been a little more patient in paying stuff off, because in the end that’s the way the situation would’ve paid off the best. Avant are organized thugs that are legitimately robbing people that don’t have nothing to begin with.

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The loan application was quick and easy. We had our money in our account the next day!! Thank you Avant!1

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Thank you so much for making this a very quick experience.

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Easy to pay and pay on time you get increase

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Very easy to use phone app. Good card to use.

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I’m very pleased with the service I received today ! The credit line increase was needed.

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Didn’t take much time and got the money pretty quickly.

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Avant card is simple to use with a clean interface. Went to see if I was eligible for a credit limit increase. Made a request inside the mobile app and I was instantly approved for a $250 increase. New credit limit $1250.

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This is first time using Avant and I must admit the process was very easy. I was able to payoff my credit cards and consolidate to one payment a month

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I think Avant is a great credit card to have. I really like the fact that you can make the payments with your debit card from your bank account which automatically debits the payment from your bank account instead of waiting the 3 days for the bank payment to clear. The Interest rate is low and after making consistent payments you are able to receive a credit increase. The website is also very easy to navigate through. I highly recommend this card.

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Helped with money needed to consolidate credit cards. Received reasonable rate and payment terms. Easy application process, money deposited within 3 days. Very satisfied with my experience.

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Called customer service and talked to Jacklyn, about a charge on my account that shouldn't be there, she couldn't help me and sent me to fraud dep. and talked with shameless who had no clue how to help me and I asked for a supervisor and she wouldn't connect me to one, THE WORST CUSTOMER SERVICE!! I just decided to close my account, which now I have to call another number!!! NO THANKS!

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RIDICULOUS HOOPS to jump through A scammer opened an account in my name through Avant, because they make the process super easy for scammers, and tried to get funds. Those funds were denied apparently. But these are the hoops Avant wants people to jump through for them to acknowledge scammers hurting YOUR CREDIT through THEIR COMPANY PRACTICES. Don't do business with them. The reviews from customers make it clear Avant will WASTE HOURS of your time to clear up any issues you run into with them. EMAIL RECEIVED FROM AVANT: Thank you for contacting Avant. Your account has been forwarded to us because you have indicated that you do not believe you applied for credit from Avant. Avant has been able to locate an account in your name. It is important to note that the application in question has not been funded. However, an inquiry may have been initiated by Avant into your credit profile. Inquiries can affect your credit score and are visible to third parties viewing your credit report. If you still believe you have not applied for credit from Avant, please take the following steps: 1. Print and complete the attached “Identity Theft Victim’s Complaint and Affidavit” (“Affidavit”). The Affidavit must explicitly mention Avant in order to be accepted. You must have the Affidavit (item 22 on page H-6) witnessed by a Notary Public. If you elect not to complete the attached Affidavit, you must file a Law Enforcement Report, described in item 20 on page H-5 of the Affidavit, or an IC3 referral form. The law enforcement Report or IC3 referral form must explicitly reference Avant in order to be accepted. Filing a false Law Enforcement Report may result in criminal prosecution with penalties up to a felony conviction. 2. Deliver the Affidavit, Law Enforcement Report or IC3 referral form and any other supporting evidence of identity theft you may have, to Avant via email, fax or mail.

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I thought this was a good idea...but no. I applied for an received an Avant card. The very first time I used it, it was declined. When I called, the rep said their systems were down. So I asked where could I go to find out if they were having issues like that before I tried to use it. The answer: No where. Good luck. Then, when I was able to use it, and went online to pay the bill, I called and asked when would my payment be posted to my account. They said within one day. BUT it would not be considered available credit for 10-15 days. So really you really only have access to the the available credit on the card about 15 days out of the month? Why is it Capital One and Chase can post a payment the day you pay them and Avant needs 15 days. Paid off the card and stuck it in a drawer. Useless. UPDATE: So I reached out to Avant like their response said and asked how they were going to "fix the situation." And their response was no response. The reply said to email them. And then when I did, they said I had to call. Guess what will happen when I call? This company posts responses to these reviews as a way to seem like they are listening. They are not. Clearly. #reallybadmarketing

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This company is operating illegally and should not be used by any service member! They have refused to comply with the Ohio SCRA benefits and state they are in compliance with all state and federal laws and are committing fraud! DO NOT USE THEM! They will try and charge you a high interest rate even with federal and state laws protections that are to be in place! Google Ohio SCRA and it clearly states that refusal to apply this benefit could result in jail time! The CEO needs to be held accountable for hiring people who fail to have a companies best interest and my contract needs to be voided! I have contacted the Ohio attorney general, filed a complaint with the BBB, and will notify the military branches of their unethical practices.

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They are great at Avant!! The Customer Service have great people working there! When I need an credit increase they sure help me get it! I have been with them almost 3 years with them and I’m never leaving! If you don’t have an Avant card? You should get one! Thank you Avant! 👍

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You guys help me out of a bind when I needed it and thank you

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I was so pleased of Avant excellent good service.They are very helpful no hazzle no dazzle Avanti will help you in times of your need in fast quick accurate response.I was so inpressed i receive what I need in 3 days.I fully recommend to everyone to come for help at Avant financial.They will surely help you honestly full of compassion and care.

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I apied for a personal loan. I have a fico score of 715.and 27%credit usage according to experian. They turned me down because of late payments during the pandemic lock down. My income for the next year and a half is increased substantially. Great understanding of a crisis situation. And one that is highly unusual. I will not consider them in the future. follow up i did receive the reasons and they are because of late payments during the lock down,

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I love Avant. They were the only company that would issue me a personal loan when I really needed it. They have also increased my credit limit twice on my card.

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The credit increase I received vs my account status and history, income, and credit score was an absolute joke.

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This was a horrible experience. There was nothing fast about it at all. This would have been my 3rd loan through Avant. It would appear they only finance high interest loans and once your credit score goes up they are no longer interested in financing you since you qualify for a lower rate. It's a disgrace. I full intend to reach out to their corporate offices due to this terrible experience. I spent over 3 hours in the last 3 days trying to get an answer and all I got was the runaround. I don't know what changes have been made to their personnel over the last 2 years, but it is terrible. I would not recommend Avant to anyone.

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The best I've been able to submit payments and have seen my credit go up by utilizing this card.

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Great organization to deal with.

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The online application process was quite simple. The turnaround for the decision was prompt. It was much easier this time around than the first request.

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It's an awesome card. It reports to all 3 credit bureaus and they give credit raises!! I haven't ever had any problems work them. I love my card!!

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It was very fast and I appreciate it

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So far so good. No issues yet with this card. Had it do awhile now and it’s been a great card for building credit.

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Avant was one of the first credit cards I applied for when rebuilding my credit several years ago. I've been happy with the card and recently they increased my limit - an unexpected surprise.

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Wonderful card. No problems or complaints at all. Very satisfied!!

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The process was very easy . Good for someone who is trying to build their credit. My money was deposited in 3 days .

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So far happy with this card. I’ve had it for a year now and have received 2 credit limit increases. 1 at 6 months and 1 at 12 Months. I keep this card for credit growth- only using it for my streaming service payments. No issues

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It's one of the very few good cards for building credit. They give credit increases, if you pay on time every month of course, unlike most of the others. They're interest rate is also comparatively low. I recommend them

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I have been with them for 2 yrs now and haven’t had any problems Just got a credit increase which was a surprise

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this credit card has helped me build my credit! and the credit increase helped a lot, thank you

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Avant has been very useful for me

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They've been very attentive to usage and any suspicion of fraud. It has been helpful with credit building as well. Awesome card and customer service so far!!

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Great card will work with you and will help you raise your credit score thanks avant

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I never opened an account with Avant. They keep sending me "Thank you for choosing Avant" emails and asking me to review, so here it is. I have had my credit frozen and nothing new has been opened. They keep phishing for something. Something is off about this company. Trust your gut and good luck.

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Absolutely love this credit card!! Amazing perks and easy to get a credit increase

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Despite my having paid-in-full three prior Avant loans, never one day late on a payment, and charging an annual interest rate in excess of 30%, Avant still wants to do a debt to income analysis. I supplied bank statements which show deposits. Not enough for Avant. If I wanted to go through the bother of submitting two years tax returns, I'd go to a conventional lender who charges a much lower rate. That's where I'm headed. So much for convenience.

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Was the easiest process ever! I had my approval in just a few hours and my $ was deposited 2 days later!! I highly recommend them!!

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Good service. Good about line increase when you pay on timr

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Easy and convenient process ! Quick results !

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They emailed me asking for a review. When I asked them what product I had through avant they canceled the trustpilot link and never responded. I did finally do a password reset to find out what they thought I had done with them. Turns out they claim that I applied for a loan from them via lending tree which I never did. Their lack of interaction with someone trying to find out what's going on speaks absolute volumes about the support you're likely to get if you do get a loan with them. Their response was to send me to the same email they didn't respond to originally. Take that as you will.

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Great card to have!

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I appreciate you noticing me as a good customer! Thank you for the raise in credit limit!

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Submitted an application 10 days ago then received communication after approved funds would be deposited in 1-3 business days and that was 5 business days ago. Fast forward to this past Friday 08/19 received another email stating my application had expired. Now I'm unable to speak to anyone regarding this matter because no one at Avant has a clue what is going on and I've spoken to 4 different individuals and when you ask for a supervisor they hang up on you and then you call back and have to wait 20+ minutes to get some one on the phone. I'm about to file a complaint with the Attorney Generals Office and the Better Business Bureau.

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It was easy and fast and helpfull Thang you

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Worst credit card ever. My card was used for fraud and they still forced me to pay for it. Once I have paid this card off I am canceling it. Please stay away from them!

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This stupid company sent me emails to ask how they are doing. I DO NOT USE AVANT. My Tech Company, Tech To Us which costs me a fortune but is worth it, uses malwarebytes. We emailed them back and said if I see one charge in my banks or credits cards they will be reversed immediately.

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I like this card it's pretty much for ppl starting to build credit, it's helped me so far i wish they would give an increases in my limit and drop the interest rate from being so high.

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Looks like a simple Phishing Email Scam. The Actual company knows about it and has even posted a blog post about people posing as them. Just google Avant “Protect Yourself from These COVID-19 Scams” and their company blog post explains what happened. I would honestly just say throw the email out it’s just a scam like normal these days.

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Easy to apply and get my credit card. Only drawback is that all of my other cards are paid thru an automated system, which I prefer. With Avant I actually have to deal with a real person.

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Avant made the online process very easy. I was happy with the experience. We recommend

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Easy to apply

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I received an email from them asking me to rate my experience with them. I thought my identity had been stolen. I have NEVER used or applied for a personal loan through them. I lost sleep that night because their call center was closed for the evening and I had no way of contacting them. After calling them the next day they told me that I DO NOT HAVE AN ACCOUNT with them and they could not even tell me exactly where they got my full name and email address from. This Makes me wonder if they are opening customer loan accounts just like Wells Fargo and US Bank were doing until they got caught by the FEDS. If you notice over 90% of the positive reviews are from people they invited to leave a review. Then they messed up and sent invites to people that they should not have and boom! This just shows how messed up this company is they send invites to people that will give them positive reviews. I tried clicking on the link they sent me but it was disabled even after I called them and they assured me that the link still worked even though I was going to rate them horribly. I have a feeling this is the same for everyone else that got these fraudulent review invites. DO NOT DO BUSINESS with a company that is willing to make up reviews! They do it because they are crooked.

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Great service

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Had a personalized email sent to me soliciting this review. I have never done business with this company and was very suspicious. Due to these practices I would caution folks away from Avant.

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I’m glad that I came to this site and read the reviews on Avant. I received an email from them requesting I review them on Trust Pilot. I’ve never dealt with them and was concerned someone had used my credit. After verifying all is well, I became angry. How Dare They, SCAM!

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I was having some security problems which have been fixed. My account was locked. I have called several time and I can't seem to get anyone able to unlock my account. It has been over 60 business days. I still can not use my card. I keep sending email and calling. My account it still locked. If I can't use the card. It is no good. I need help!

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Useless to do business with company begged for reveiw so here it is.

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Avant double charged me $500. Unable to talk to anyone who understands anything. No one has ever returned a phone call.

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So I just received this email asking from this company asking me to rate them on trust pilot. Thing is I never have done business with then or even heard of them. Hope this isn’t a scam or someone has gotten my identity and opened an account with them? So who do these folks get my email address from? One of my hacked email accounts.

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Just like many others i have read here. I received an email from them, asking me to review them here. I am not a customer of theirs. I never will be after dealing with the stress of this, i am vigilant when it comes to my credit, and who i do business with. Hopefully i didnt screw up be replying to the email support team letting them know i dont have an account with them.

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I attempted to get a credit card (trying to fix past issues). They not only denied me in like 2 mins, but then repeatedly spammed my email. Smh, don't believe the talk of credit for anyone.

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I received an unsolicited email from them requesting I review them. I have never done business with this company. After reading the reviews on this site I now know this is a scam to get individuals to believe someone opened an account under their name and then contact Avant and provide personal information to them. STAY AWAY!!

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Tried to set up a fund through Avant that would be a retirement plan later on. Since I needed to change my address, I requested the change. Through some form of miscommunication, my account got cancelled, and I couldn't access it, but was still getting billed. While I never got refunded, and they did finally stop charging me, it was a big waste of time and effort.

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I get an email asking how avant- is doing and wanting me to leave a review when I don’t even have an account with them. This is solicitation. Their records are so inaccurate they don’t even sort through who is a current customer and who is not. Definitely a no go!!!

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No idea why this company keeps emailing me to write reviews when I have no clue what it is.

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These people sent me an email about a random account i never created telling me to come here. They also wanted personal info just to check my account to see if a scammer has been using them to rob from me. Its clear this company is trying to fish for my info. Stay away from these people. Im not the only one, if you apparantly call them they still fish for info all while threatening you with possible fraud goijg on your account

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Excellent Customer Service, Easy to Navigate Mobile App.. Great Company to do business with!

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UPDATE: to my surprise, I just checked my account and saw that all fraudulent charges were refunded plus the interest charges for each. I have increased my rating to 3 stars as I didn’t have to call again or hound them to credit my account. Still some red flags though about their data security though that I can’t ignore, and the fraud department process was very odd. I also just received an email yesterday that I was declined for a credit card however I did not apply for a second one so I’m not sure what that’s about…. ORIGINAL REVIEW: I have to assume that 90% of their 5 star reviews must be fake because Avant either has some serious security/data issues OR they are the issue. I’m leaning towards the latter. Since I was first approved for my Avant card I’ve been having some serious issues with mass spam emails and fraudulent activity. I had 7 fraudulent charges on my Avant card last month and my attempts to rectify the issue has shown Avants true colors and I completely question their legitimacy. I don’t believe they have any actual employees and I really question whether companies like this are really the problem, rather than the “ghost hackers” out there stealing data. If I could go back in time, I absolutely would not have disclosed any of my information to this company. Period.

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Highly recommended! I have used Avant multiple time to deal with unexpected expenses and it has always been a good experience.

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got an email asking me to write a review, i either have not applied with this company or was denied, either way why would they want me to write a review?

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